Canada’s Trusted Long-Term Disability Lawyers

Millions Recovered in Denied Disability Benefits
We wrote the Book on Long-Term Disability Law. Literally.
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ONTARIO LONG-TERM DISABILITY LAWYERS SERVING NATIONWIDE

Stop struggling with a system that does not care. If you’ve been wrongfully denied your long-term disability benefits it is NOT the end. Contact our disabiity insurance lawyers today. We can get your benefits back on track.

What do I do if my Benefits were cut-off or denied?

Long term disability benefits are supposed to protect your income and provide the money you and your family need during a time when you can no longer work. Let our Disability Lawyers take over your appeal and fight for you.

You suffer from a disabling condition, your long-term disability benefits have been denied or cut off, and now, you are left in a terrible financial predicament with no way to pay your bills. Your adjuster is not listening to you. They don’t care what you have to say. They cut off your disability benefits despite your own doctors saying you can’t work. They believe what they want to believe. They believe that you can “get back to work” or “do something” when in reality, they don’t understand the big picture. They don’t understand that you are suffering. In fact, you may feel that the treatment from your disability adjuster is making matters worse and aggravating your medical condition.

It’s a situation that we see time and time again in this faceless system. On every single paycheck, you pay premiums to your long-term disability insurance company and now, in your time of need, they won’t pay you. In exchange for premium payments, you expected that your disability insurance company would pay a monthly disability benefit to help pay your bills and, at a minimum, keep a roof over your head. To you, it was affordable financial protection and invaluable peace of mind. To them, it was only profit.

You are now probably left in the position where your disability insurance company is trying to convince you to “appeal” their decision or file for “reconsideration.” They ask you to “submit new evidence” to convince them that you can’t work. The problem is that any internal appeal you file is not being adjudicated impartially or fairly. It’s being adjudicated by the same company that denied you in the first place. It’s the furthest thing from fair.

Filing an internal appeal, in our opinion, is a waste of time. Your disability insurance company will tell you that their “appeals team” will consider your appeal, hopefully within 90 days. However, there is no impartial adjudicator enforcing a time limit on when your disability company has to make a decision. Remember, if you’ve been denied long-term disability benefits, you have the full right to hire a disability lawyer to fight for you. The longer you get caught up in the so-called appeals process, the longer it will take you to hire a disability specialist and recover the disability benefits you are owed. Our long-term disability lawyers understand the pain and suffering you are going through. We understand your financial hardships. We understand disability insurance companies and most of all, we understand disability litigation. Our disability lawyers have been representing disability claimants for over 37 years – and have recovered millions in wrongfully denied disability benefits, for victims like you.

Getting nowhere with your Disability Adjuster?

On countless occasions we have seen, disability claims adjusters have not only frustrated their policyholders with their lack of sympathy, contact and consideration but have made their mental health condition worse.

This is a tremendously sad situation that is not uncommon – and is something that our disability lawyers often see. On the one hand, your disability claims adjuster is supposed to listen to you and collect enough clinical evidence to make a decision as to whether or not you satisfy the definition of “total disability” pursuant to your disability insurance policy. The reality, however, is that many claims adjusters do not properly assess clinical records. They may refuse to take the claimant’s clinical directions under consideration or really listen to what they have to say. Instead, no matter the medical condition, some claims adjusters refuse to be impartial, override clinicians, pretend that they have a medical degree, and get obsessed with their personal mission of getting a person back to work, often a lot sooner than they should. Even more often, claimants’ conditions are aggravated, exacerbated and made worse by the treatment they receive from their “rogue” claims adjuster and end up in a worse mental position than they started.

How do I find a Disability Lawyer near me?

“Disability near me” is a very common search query. Finding an expert in disability litigation to fight for you can be challenging, but you can always count on us. Based in Hamilton, we serve claimants all over Ontario and Canada.

Finding a long-term disability lawyer is not always easy since disability law is a complex and specialized practice. You will more likely than not need to retain a disability lawyer that is located in a larger metro area who will service smaller surrounding communities. We ALWAYS recommend hiring a local or a disability lawyer in a city closest to you – but with today’s technology, video-conferencing technology and electronic filing systems, hiring a disability lawyer has become a much easier thing to do. In fact, our lawyers serve clients not only in Hamilton but all over the Province. We have disability clients that we serve from Timmins to Niagara and from Ottawa to Windsor.

Our disability lawyers appreciate the ability to meet clients face-to-face and have them come into the office anytime they wish, meet with our lawyer and have a conversation about their case – but at the same time, if you are unable to meet our disability lawyers in person, we can always meet with Zoom, Facetime or Teams anytime you wish. We not only service clients in Hamilton, Ontario – but throughout Canada. Call us today to set up your free disability consultation videoconference if you are unable to visit our disability law firm. Contact our Ontario Disability Lawyers no matter where you are in Ontario by calling us at 1-844-4-DISABILITY  or by emailing us confidentially through our website.

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The Fee is Free. You don’t pay until we win your case.

We never charge clients to talk to us – and the fee to retain us is free. You only pay us at the end of your case, if we obtain a reinstatement, a verdict or a settlement that we are comfortable recommending.

Two things are important – You need the appropriate legal advice regarding your denied long-term disability claim and you need to make sure you are not paying any legal fees upfront. We understand that the last thing you need at the moment is to pay a lawyer when you are not working and have been denied long-term disability benefits. With our Disability Lawyers, we never charge clients to talk. Consultations with our disability law firm are 100%  free. We will take as long as you need to talk to us about your long-term disability claim and give you the right legal advice for your situation. Also, if you decide that you want to file a disability claim against your long-term disability insurer, our fees are free until we win. We will never ask you for money upfront – at any time. We will fund your entire case and, even better, our disability lawyers will not charge you any money if we are unsuccessful.

Who are Lalande Disability Lawyers?

Our Disability Trial Lawyers that Disability Insurance Carriers know and Respect. Our main lawyers, Art Camporese and Matt Lalande have represented hundreds of disability claimants all over Ontario since 1984.

Lalande Disability Lawyers is led by long-term disability lawyers Matt Lalande and Art Camporese  – a well-known Hamilton trial lawyer and mediator. Both Matt and Art have been practicing disability law since 1984, have represented countless disabled victims and have recovered millions in wrongfully denied disability benefits. Disability insurance companies know and understand that we are trial lawyers who are experienced in disability litigation and know how to properly assess, evaluate and present a long-term disability case to a judge or jury.  Wherever you live, and whatever your disabling condition is, our Hamilton, Ontario disability lawyers will be on your side and fight for the justice you deserve. Our disability lawyers are dedicated to helping the hurt, sick and disabled get the long-term disability benefits they deserve – all over Ontario.

Stop struggling with a system that does not care.

Once your disability insurance company has denied your disability benefits, they will likely not change their mind. You need to hire your own disability lawyer to fight for your benefits.

Disability Insurance Companies want you to think that being denied or cut off your disability denial is the end. This is not the case. You have the full right to contact the disability lawyer to discuss whether or not your disability insurance company had the lawful right to deny or cut off your disability benefits. Unfortunately, many claimants are wrongfully, improperly and unlawfully denied their long-term disability benefits. Many times, disability claims adjusters come to the opinion that you can go back to work and do something, which is often not the case. If you’ve been denied your long-term disability benefits, stop struggling with a system that does not care. Stop struggling with a system that won’t listen to you, your doctors and who only has tunnel vision with one objective – to get you back to work.

Talk to our Disability Lawyers before filing your appeal

In our opinion, the internal appeals process is far from “independent.”  In most cases, appeals fail. They take time – all while you are left without income to pay your bills and survive.

We are often asked by disability claimants whether they should file an internal appeal before hiring one of our disability lawyers. The answer is that it is up to you. In extremely rare circumstances, it may be worth it – for example, if someone suffers an irreversible psychiatric condition or a spinal cord injury – but in 99% of cases, internal appeals don’t overturn prior denials. Your case is simply being reviewed by a so-called “appeals committee” who are being paid a salary by the same insurance company that denied you. There is no “independent” body that reviews your appeal. There is no “fast-track” as often advertised. While you are left without income, the appeals process can take more than 3 months, which is more than enough time to send a person into complete and total financial chaos. Remember, the committee that reviews your appeal are employed by the same insurance company that denied your long-term disability benefits. Oftentimes, we see the process as a”delay tactic”, meaning that the longer you get stuck in the appeals process, the longer that it will take for you to hire a disability lawyer to fight for you – and the longer you are left without money to live.

DENIED OR CUT OFF YOUR LONG-TERM DISABILITY?

FILL IN THE FORM BELOW FOR YOUR FREE LONG-TERM DISABILITY CONSULTATION. LET OUR LAWYERS TAKE OVER THE FIGHT.

LET OUR EXPERIENCED DISABILITY LAWYERS TAKE OVER THE FIGHT.

    TENS OF MILLIONS RECOVERED

    Since 1984, our Disability Lawyers have recovered tens of millions in compensation for sick and hurt people all over Ontario.

    • LIFE INSURANCE DENIAL

      $750,000

    • Long-Term Disability

      $400,000

    • LONG-TERM DISABILITY

      $212,000

    • Critical Illness Claim

      $250,000

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    WE KNOW DISABILITY & INSURANCE LAW

    Why Hire our Long-Term Disability Lawyers to win your claim?

    Clients Testimonials

     

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    Serving Disability Claimants all over Ontario

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    We pride ourselves on helping people when they need it most. We pride ourselves on integrity. No matter if the case is worth $20,000 or $2M, we put in the same effort for our clients. Always.

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      “Matt Lalande helped me attain my long-term disability benefits. The denial of benefits caused me substantial stress on top of my existing condition. Matt Lalande and his team were very understanding and explained the whole process clearly. They were confident that we would be successful. Dealing ...

      Cheryl Oddie Long-Term Disability

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      My experience with Mr. Matt Lalande and his team was exceptional. Matt is a very impressive professional when involved in a long-term disability benefits denial. Matt and Heather responded to all my emails and phone calls in a prompt and efficient manner. Matt is a great and honest lawyer. I highly reco...

      Payne Momich Long-Term Disability

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      “Matt helped with my disability benefits. Matt is no doubt very busy, but he always made time to talk when I made an appointment. Even on the weekends. Really impressed about how much he knew about me at mediation. Knows disability stuff really really well.”

      Barb Quinville Long-Term Disability

    Meet The Team

    Our Long-Term Disability Lawyers and Union Specialists have recovered millions in wrongfully denied disability benefits for claimants since 1984. Call us now!

    Frequently Asked Questions

    Below are common questions asked by claimants who have been denied their long-term disability benefits:

    Have a different question?
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    FAQ

    Lalande Disability Lawyers is made up of two firms – Lalande Personal Injury Lawyers and Camporese Sullivan DiGregorio. Matt Lalande and Art Camporese, the principal of both firms, are disability trial lawyers who have been practicing since 2003 and 1984, respectively.

    When your disability claim is denied, you will receive a letter from your disability insurance company which will advise you of the date your disability benefits will be cut off and the reason why. They will most likely advise you that you have the option of submitting new medical information, if any, and appealing your decision internally.

    If a person believes that he or she has been wrongfully denied or cut-off long-term disability benefits, that person has the right to hire a disability lawyer and start a legal claim against their disability insurer for breach of contract and reinstatement of their monthly benefits.

    In Canada, it is not possible to know how many long-term disability claims are denied. There is no statistical database that monitors private disability insurance company denials, either in terms of group benefits or private policies. We can tell you, however, that we are contacted on almost a daily basis in regards to disability insurance companies denying long-term disability benefits in Canada.

    Yes. With Lalande Disability Lawyers, our consultations are always free for claimants denied long-term disability, no matter what the situation. We believe that you should never have to pay a disability lawyer for a consultation, especially after being cut off from long-term disability benefits and suffering from financial stress.

    You can qualify to receive long-term disability benefits if you satisfy the definition of “total disability” within the context of your disability policy.  Total disability normally means that for the first 24 months, you are unable to sustain the regular duties of your own job. After 24 months, total disability normally means that you cannot sustain the duties of any employment for which you are qualified by way of education, training or experience.

    In our opinion, internal appeals rarely work. You are simply having your denied claims reviewed by other employees paid by the same insurance company.

    At Lalande Disability Lawyers, we only get paid when you get paid. We work on contingency, which means that our disability lawyers will only charge legal fees if we are successful at having your benefits reinstated or if we reach a lump sum settlement of your past and future benefits.

    A disability lawyer is able to be your advocate. Remember, the onus is on the claimant to prove his or her disability. A disability lawyer can put the best case together for you, advance legal arguments about why you are disabled, show that you satisfy the definitions of disability as set out in your contract and should be entitled to benefits, and prove that the insurer breached its contract by cutting off your monthly benefits.

    Many long-term disability claims are commonly made due to cancer (breast cancer, lung cancer cervical and prostate cancer are most prominent), heart disease, serious injury, depression, anxiety, psychiatric issues and bipolar disorder.

    If you’re applying through a group insurance policy, you would talk to your benefits administrator. He or she would be able to provide you with the application and attending physician statement required to apply. You should ask for the documents as you near the end of your “elimination period” or short term-disability.

    When you are no longer disabled as per policy definition or you reach the age of 65, your long-term disability would normally end.

    Disability Blog

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    Proudly Serving Victims Across Canada

    Don’t live near one of our office locations? No problem.

    We work with clients from all over Canada. Communication can be done in person, via the phone, email, and video chat.
    You’ll be able to work with a highly experienced lawyer, without having to leave the comfort of your home, or travel long distances.

    You Still have Options after a Denied Disability Claim

    There is no doubt that many disability insurance companies refuse to pay disability benefits to employees or self-employed individuals who are legitimately sick or hurt.  Remember, if you’ve been denied or cut-off your long-term disability benefits you still have the right to hire your own disability lawyer to fight for you. We’ve been representing the disabled since 1984 – and we’re prepared to fight for you.

     

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